Supply Chain Finance (SCF) is a cash flow optimization solution that allows suppliers to receive early payments while enabling buyers to extend their payment terms—without impacting business operations.
Instead of relying on traditional bank loans, SCF uses third-party financiers to facilitate payments between buyers and suppliers.
If your business faces extended payment cycles, cash flow gaps, or supplier financing challenges, our solutions ensure financial stability & growth.
Managing cash flow is crucial for business success. At BLUCREST, we offer Supply Chain Finance (SCF) solutions that help businesses optimize working capital, improve liquidity, and build stronger supplier relationships.
Whether you are a buyer looking to extend payment terms or a supplier needing early payments, our SCF services provide a win-win solution for all.
At BLUCREST, we simplify SCF through seamless digital onboarding and execution. Our efficient & transparent process ensures seamless financing for your business.
Here are some FAQs to help you understand our offering better.
Unlike traditional loans or credit lines, SCF is a short-term funding solution based on approved invoices. It does not add debt to a company’s balance sheet and is often more cost-effective than traditional financing methods like bank loans or overdrafts.
The ROI depends on factors like interest rates, payment terms, and business size. Generally, SCF can provide significant cost savings and improved cash flow efficiency, leading to better profitability. Typical ROI ranges between 8% – 14% per annum, lower than most business loans. With BLUCREST’s strong financial network, we ensure the most competitive rates tailored to your needs.
BLUCREST offers: Invoice Discounting / Purchase Invoice Discounting / Factoring / Reverse Factoring / TReDS on boarding / PO Financing / Import – Export Finance etc / Vendor/Channel finance / Dealer/Distributor finance.
SCF ensures that suppliers receive payments on time, reducing financial stress. Buyers also benefit by extending payment terms without harming supplier cash flow, creating a win-win situation and fostering long-term business relationships.
No, SCF is an off-balance-sheet financing option, meaning it does not add to a company’s debt. Instead, it helps improve working capital, which can have a positive impact on creditworthiness.
The tenure of discounting typically ranges from 30 to 180 days, depending on the transaction terms.
A virtual account is a unique account number assigned for tracking payments. Funds are usually disbursed directly to the supplier or vendor.
No, an NOC from your existing bankers is not required for this facility.
If the buyer is well-rated, financials are generally not required. However, in some cases, financials may be needed for additional assessment.
Vendor Financing involves paying your suppliers upfront, while Purchase Invoice Discounting (PID) offers early payment to your suppliers against approved invoices.
Dealer Financing provides credit to dealers for purchasing inventory, while Sales Bill Discounting offers early payment against your sales invoices.
Dealer Financing is for funding dealer purchases, while Factoring involves selling your receivables to a lender for immediate cash.
Typically, the buyer’s credit rating is crucial since financiers assess their creditworthiness before approving SCF programs. Suppliers do not necessarily need a strong credit rating but should have stable business operations.
No, SCF is usually unsecured. It is based on approved invoices and buyer creditworthiness, making it a convenient financing option without requiring physical collateral.
To register on TReDS or to register for SCF facility it will take less than a week of time.
Funds can be accessed within 24-48 hours after invoice approval. The speed depends on the financier’s processes and documentation completeness.
Yes, SCF can support cross-border transactions, helping global supply chains by ensuring timely payments to international suppliers.
To request services, contact BLUCREST through our website, email, or customer service for an initial consultation and process initiation.
Instead of waiting 30-90 days for buyers to pay, suppliers receive up to 90% of the invoice value upfront. This improves cash flow, supports daily operations, and reduces financial stress without adding debt.
Once the buyer pays, the remaining balance (minus a small fee) is settled.
No collateral is required.
Lender pays the supplier upfront, while the buyer gets extended credit terms to manage cash flow better.
Businesses maintain strong supplier relationships, avoid supply chain disruptions, and improve working capital.
Instead of relying on traditional loans, buyers can optimize cash flow efficiently with flexible repayment options. No additional collateral is required, and fast approvals ensure seamless transactions.
Unlike Sales Invoice Discounting, the lender takes over the collection process, and the risk is also transferred to the lender or insurance partner, ensuring businesses don’t have to chase payments.
Factoring allows companies to get immediate working capital while focusing on growth. It is ideal for businesses with long payment cycles, helping them reduce credit risks, improve liquidity, and scale operations smoothly.
Factoring is available without or with limited recourse, requires no additional collateral, offers fast funding, and provides hassle-free collections—making it a flexible and efficient financing option.
In Reverse Factoring, the financier pays suppliers on behalf of the buyer, ensuring smooth cash flow and stronger supplier relationships.
In Factoring, suppliers sell invoices for early payment. In Reverse Factoring, buyers initiate early supplier payments while extending their own payment terms.
Buyers can negotiate better pricing, while suppliers get instant liquidity without adding debt.
TReDS is a platform where multiple financiers bid to offer the best rates, ensuring quick and affordable funding without collateral.
Suppliers get instant cash flow, while buyers enjoy extended payment terms through this system.
TReDS is a secure and transparent system that enables seamless transactions between MSMEs, corporates, and financiers. It boosts liquidity, ensures smooth business operations, offers faster payments, and improves cash flow.
Import-Export Financing includes Letter of Credit (LC) Discounting, Packing Credit, Buyer’s & Supplier’s Credit, Invoice Financing, ECGC-backed facilities, and Trade Credit Insurance.
These solutions provide short-term funding, ensuring timely payments to suppliers and faster realization of export proceeds. Businesses can optimize working capital, mitigate currency risks, and improve global trade efficiency.
Import-Export Financing supports seamless cross-border transactions and business growth, whether importing raw materials or exporting finished goods through structured financing solutions.
Purchase Order Financing provides funding to purchase raw materials or finished goods needed to complete customer orders. The lender pays the supplier directly, ensuring smooth order fulfillment. Once the goods are delivered and the buyer makes payment, the lender is repaid.
This solution is ideal for businesses experiencing high demand but limited working capital.
It enables businesses to take on larger orders, maintain smooth operations, and grow without financial strain.
Under this facility, the lender pays your vendors upfront on your behalf, and you repay the amount later as per agreed terms. This ensures suppliers receive timely payments, while you get extended credit terms.
Vendor/Channel Financing is generally provided with recourse and may require minimal or no collateral, depending on your credit profile and transaction structure.
It is designed to support businesses in maintaining smooth operations and managing cash flow efficiently.
Under this facility, the lender makes direct payments to the supplier, allowing dealers to secure inventory without immediate cash outflow. The dealer then repays the lender as per the agreed credit terms.
This facility is generally provided with recourse and may require minimal or no collateral, depending on the credit profile and transaction structure.
Dealer/Distributor Financing is designed to ensure smooth inventory flow and improved cash flow management for businesses.
To know more about our services, contact us and schedule a free consultation with our team.
Quest, Technopolis Knowledge Park,
5th Floor, Hanuman Nagar, Andheri East, Mumbai 400093. Maharashtra, India
Email: info@blucrest.in
Phone: +91-7030637101
